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Dicard Card

Updated: Aug 11, 2026

DiCard is a USD crypto payment card offered by DigiFinex. Its core product is currently a USD virtual Mastercard, which users top up with USDT from their DigiFinex spot account before spending from a USD balance online, offline and across currencies. The product has two tiers, DiCard Lite and DiCard Premier, with different per-transaction, daily and monthly spending limits. It supports Apple Pay, Google Pay, Alipay and 3D Secure authentication. Eligible purchases currently earn approximately 1% in points.
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Confirmed unavailable on App Store
Card network
Mastercard
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
USDT
Last updated
Aug 11, 2026

Official and company information

Issuer identity and company credentials

DiCard is a crypto payment card product launched by DigiFinex, offering platform users a USD-denominated Mastercard virtual card topped up with USDT, with support for card spending, reward points, and some mobile wallet binding. DigiFinex handles the product portal, top-up, and user services, but the public card agreement does not clearly disclose the actual issuing bank, BIN sponsor, or licensed provider of the card account. Therefore, DiCard is better recorded as a card program managed by DigiFinex rather than an independent licensed card issuer.
Visit website Application page
Company / issuer
DiCard*
Legal name
DIGIFINEX PTE. LTD
Registered region
Singapore (SG)
Headquarters
Original新加坡
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

DiCard is a crypto spending service built into the DigiFinex exchange. Users first register a DigiFinex account, complete email, phone, and identity verification, then apply for a card tier. Once approved, the card is activated automatically. Users top up from their DigiFinex Spot Account using USDT, and the system converts funds into a USD card balance for Mastercard network spending. The current global USD version mainly offers virtual cards in two tiers: Lite and Premier. Lite is for general spending, while Premier offers higher per-transaction, daily, and monthly limits and allows remaining card balance to be withdrawn back to the spot account. The card has 3D Secure transaction verification and restrictions on high-risk merchants and certain MCCs.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

DiCard Lite
DiCard Premier
Card formVirtual cardVirtual card
Fees
Monthly fee——
Card issuance fee
5 USD
Charged per card
5 USD
Charged per card
ATM fee——
Foreign exchange fee
1.5%
Applies to non-USD transactions
1.5%
Applies to non-USD transactions
Top-up fee
1.3%
0.3% for first 5 transactions
1.3%
0.3% for first 5 transactions
Failed transaction fee——
Rewards
Cashback
1%
Up to $10 per month
1%
Up to $10 per month
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus
10 USDT
Referral bonus 10 USDT/5 USDT, spend 50 USDT
10
Referral bonus of 10 USDT or 5 USDT, with a spend of 50 USDT
Limits
Daily spending limit
20,000 USD
Daily spending limit
50,000 USD
Daily spending limit
Monthly spending limit
100,000 USD
Monthly spending limit
400,000 USD
Monthly spending limit
ATM withdrawal limit——
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

59
UruguayUYBahrainBHSpainESAustraliaAUDenmarkDKBangladeshBDPolandPLParaguayPYKuwaitKWIndonesiaIDIrelandIEEgyptEGChileCLTanzaniaTZFinlandFIThailandTHPeruPEPhilippinesPHKenyaKEMalaysiaMYIcelandISFranceFRSouth KoreaKRUgandaUGSwedenSESouth AfricaZAArgentinaARPortugalPTMexicoMXIndiaINItalyITMongoliaMNVietnamVNQatarQAMoroccoMAMacaoMOEcuadorECLiechtensteinLIJapanJPTunisiaTNOmanOMNew ZealandNZHungaryHUTürkiyeTRSri LankaLKAustriaATSwitzerlandCHGermanyDEBrazilBRCzechiaCZSaudi ArabiaSABelgiumBELuxembourgLUUnited Arab EmiratesAEGhanaGHNorwayNONetherlandsNLColombiaCOPakistanPK
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

14
KazakhstanKZHong KongHKUnited KingdomGBSingaporeSGSyriaSYCanadaCAIranIRNorth KoreaKPUnited StatesUSChinaCNIraqIQCubaCUSudanSDCongo - KinshasaCD
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：中国大陆居民及公民不支持 DigiFinex 账户和身份验证，因此不可申请 DiCard；境外已发行卡仍可在符合 Mastercard 受理规则的商户消费。

2、香港：中国香港属于 DigiFinex 当前明确不提供服务的司法辖区，香港居民不可正常申请 DiCard；已持境外发行卡可在当地 Mastercard 商户使用。

3、澳门：中国澳门未列入现行 DigiFinex 禁止服务地区，符合账户、Lv.2 KYC 和卡片审核要求后可申请，并可用于支持 Mastercard 的线上和移动支付。

4、台湾：中国台湾未列入现行禁止服务地区，完成 DigiFinex 账户和 Lv.2 身份验证后可申请 DiCard，并可用于 Mastercard 网络及支持的移动钱包支付。

Updated: Aug 11, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Tiered KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport / ID card

Review time / regional limits

Automated identity checks usually take about one minute; unusual documents go to further manual review.

KYC provider

Not disclosed

Updated

Aug 11, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported9
Not supported3
UpdatedAug 11, 2026

Wallet payments

Alipay

Supported

Aug 11, 2026

Wallet payments

Apple Pay

Supported

Aug 11, 2026

Cash services

ATM withdrawal

Not supported

Aug 11, 2026

AI tools

ChatGPT

Supported

Aug 11, 2026

AI tools

Claude

Supported

Aug 11, 2026

Wallet payments

Google Pay

Supported

Aug 11, 2026

AI tools

Midjourney

Supported

Aug 11, 2026

In-person payments

Offline POS

Supported

Aug 11, 2026

Online shopping

Online shopping

Supported

Aug 11, 2026

Wallet payments

PayPal

Not supported

Aug 11, 2026

Subscriptions

Subscription payment

Supported

Aug 11, 2026

Wallet payments

WeChat Pay

Not supported

Aug 11, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
عائدة غنامtrustpilot★ 1 / 5

Funds Frozen for 108 Days Under "Compliance Review" (UID: 1689355007)

I have been waiting for 108 days (since April 15, 2026) for a simple withdrawal of 207 USDT. My funds are stuck under "Compliance Review" due to a "Mandatory Blocking" flag on the destination address. I have explicitly stated to the compliance team that I have zero ties to this flagged group, I am just a regular retail user. I have sent multiple emails over the past 3 months, only to receive the exact same copy-paste bot replies from support telling me to "wait." Holding 207 USDT for over 100 days without a final resolution is completely unacceptable and unprofessional. I urgently request a real manager to intervene, cancel this pending withdrawal, and return the funds to my DigiFinex balance. UID: 1689355007
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Omprakash Meenagoogle_play★ 5 / 5

DigiFinex- Crypto Exchange Google Play review - 5 star

Good exchange
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jamertrustpilot★ 1 / 5

This exchange is a complete scam

This exchange is a complete scam . It has run out of liquidity , users are unable to withdraw their funds, and the support team is rude and dismissive instead of helping customers . Stay away from this platform if you don't want to lose you money .
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Nazeer Ahmadgoogle_play★ 5 / 5

DigiFinex- Crypto Exchange Google Play review - 5 star

goog app
View original
Rashedur Rahmangoogle_play★ 1 / 5

DigiFinex- Crypto Exchange Google Play review - 1 star

Complicated App. It not work on android 12 or older. I am very sad for it.
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Jn Nilagoogle_play★ 1 / 5

DigiFinex- Crypto Exchange Google Play review - 1 star

scamer excange
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Radek Raczkowskigoogle_play★ 1 / 5

DigiFinex- Crypto Exchange Google Play review - 1 star

I can't log in - I click the autofill button, and nothing happens. It's like this app is preventing my password manager from working.
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Nhã An Ngọctrustpilot★ 1 / 5

⭐ 1 Star

⭐ 1 Star Two weeks. Funds frozen. Support gives copy-paste replies. Admins tell you to wait. Nobody explains why your money is being held. The real test of an exchange is not deposits—it’s withdrawals. DigiFinex failed that test.
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Nhàn Thanhtrustpilot★ 1 / 5

⭐ 1---DigiFinex

⭐ 1---DigiFinex: Deposits Work Fine, Until You Try to Withdraw I trusted DigiFinex to trade and store my funds. That was a mistake. Both my deposit and withdrawal have been stuck for more than 7 days. No TxID. No processing. No clear explanation. My funds are simply trapped inside the DigiFinex system. What makes this even worse is how useless the customer support has been. Every time I contact them, I only receive robotic copy-paste responses such as: * “Please wait” * “Your case has been escalated” * “We are checking” Seven days later, the result is still absolutely nothing. A crypto exchange that accepts user deposits instantly, but cannot process withdrawals back to users, is extremely concerning. At this point, I no longer care whether DigiFinex is facing technical problems or liquidity issues — what matters is that users are being denied access to their own money without transparency or accountability. After this experience, I realized something: DigiFinex works perfectly… until you try to take your money out. My advice to everyone: * Do not keep large funds on DigiFinex * Do not blindly trust the balance shown on the screen * Always test withdrawals before depositing larger amounts A crypto exchange is not judged by its interface or trading volume. The most basic responsibility is allowing customers to access and withdraw their own funds safely and on time. DigiFinex failed at the most important part.
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Ilya Skoriktrustpilot★ 1 / 5

1-Star Review

1-Star Review — DigiFinex Holding My Funds for 30+ Days My USDT withdrawal on DigiFinex has been stuck in “Processing” for over a month with no TxID ever issued. Every time I contact support, I receive the same copy-paste responses: * “Please wait” * “Your case has been escalated” * “We are investigating” * “No exact timeline available” But after 30+ days, absolutely nothing has changed. This is not a blockchain delay — the transaction was never even sent to the network. The funds are simply frozen inside the exchange. What makes the situation even more concerning is that I’ve seen other users and influencers reporting similar withdrawal issues on DigiFinex recently. At this point, this no longer looks like a temporary technical issue. It raises serious concerns about the platform’s liquidity and ability (or willingness) to process user withdrawals. I strongly advise people: * Do NOT keep large funds on DigiFinex * Be extremely careful depositing there * Test withdrawals with small amounts first A crypto exchange should not be able to hold customer funds hostage for an entire month without transparency or resolution. Very disappointed.
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Risk factors

Updated: Aug 11, 2026

No risk factors are available